Occupancy
Non-owner-occupied investment properties only. This site is not for consumer-purpose or primary-residence mortgage requests.
Business-purpose investor loans
Common DSCR loan review requirements
Loan Daddy LLC reviews business-purpose investment-property scenarios as a broker. Final terms, conditions, approvals, and underwriting decisions are made by lender partners after full review.
Property cash flow
Rental income, market rent support, PITIA/debt-service assumptions, taxes, insurance, HOA dues, and property expenses may be reviewed.
Credit and background profile
Credit score, housing history, liquidity, entity background, fraud checks, and other lender-specific factors may apply.
Reserves and liquidity
Many DSCR programs review borrower/entity liquidity and post-closing reserves. Requirements vary by lender and scenario.
Valuation and collateral
Appraisal, rent schedule, property condition, property type, location, title, insurance, and vesting are commonly reviewed.
Loan structure
Loan purpose, LTV, DSCR ratio, prepayment penalty, rate type, term, and title/entity structure affect available options.
Broker prep checklist
What to prepare for a broker review
Having these items ready makes the conversation faster, cleaner, and more useful for comparing DSCR options.
Property details
Address, purchase price or estimated value, rent, taxes, insurance, HOA, and property type.
Borrower/entity details
Name, contact information, experience, vesting preference, liquidity, and ownership/entity structure.
Loan scenario
Loan purpose, requested loan amount, cash-out amount if applicable, timing, and prepayment penalty preference.
This page is general information only. It is not a commitment to lend, loan approval, pre-approval, rate lock,
or underwriting decision.